restic + rclone to cloud storage for data I care about, the majority of the data can easily be replaced if needed.

That’s exactly how I do it.

Surely you mean RAID 1? Or 5, 6, 10 perhaps?

Disaster-plan is always backup (away from location) or out-of-house replication, raid is NOT a backup but a part of a system to keep uptime high and hands-on low (like redundant power and supply)

Disaster = Your DC or Cellar is flooded or burned down ;)